Cheap Car Insurance in Houston, TX

Are you in need of cheap auto insurance in Houston, TX? At, you will find the cheapest insurance premiums for your area. To find free car insurance rates offered by the very best providers today, key your local zipcode within the quote box in this posting.

Houston has experienced its share of ups and downs. Back during the 1970’s it was definitely up, with the majority of its economy heavily invested in a booming petrochemical industry. The following decade, however, was marred by recession, market fluctuations, and economic stagnation. Since then, the city has diversified its economy into high-technology and alternative energies, setting the city up for an impressive comeback.

  • Fun fact: whoa, Nelly! Houston ranks #4 on the popular list of “Top 100 biggest cities”. Read up on Houston by visiting here.

Auto Insurance Coverage Requirements in Texas

Driving legally in Houston requires:

Coverage Requirements Most Common
Bodily Injury Liability 30,000/60,000 30,000/60,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 2,500
Collision Not required 500 deductible
Comprehensive Not required 500 deductible

For more realistic expectations of what you should be carrying, take a closer look at the column on the far right. Rarely will the state minimums for insurance (center column) be sufficient enough coverage to protect you from out-of-pocket insurance expenses.

Unfortunately, Texas car insurance can get expensive – for example, the average monthly premium Texas motorists pay is around $135. But Houston drivers can get a modest discount and find good deals in their area for $103/mo* or less. The trick is to know where to find them, and we’re about to show you how.

Monthly Average Auto Insurance Premiums Legend: Houston Texas Farm Bureau State Farm Encompass Mercury Allstate 10 20 30 40 50 60 70 80 90 100 110 120 130 140 $60 $90 $109 $114 $140


Houston drivers who are desperate for a low rate might want to look into either Texas Farm Bureau, or State Farm. These two companies are pricing their policies competitively low compared to other insurance providers in the Houston area. Just make sure you thoroughly vet them before you decide to take your business elsewhere.

Those that supply auto insurance plans contemplate various factors when calculating quotes, like gender, where you live, your credit history, the driving distance to your office, and current insurance coverage and limits. Also remember that premiums will differ amongst carriers. In order to find out if that you’re still getting the lowest possible fee, look at cheap Houston auto insurance prices on the web.

Major Car Insurance Factors in Houston

Any time your car insurance provider sits down to craft your plan, they take quite a few parameters under consideration. Several of these, for instance your real age or perhaps your specific region, usually are not possible to alter. Some additional elements are:

Your Zip Code

One of the biggest influences on a driver’s car insurance costs is determined by the location where your car gets parked at night. Usually, auto insurance is less expensive in non-urban locations mainly because a lesser number of automobiles mean a smaller likelihood that you’re going to get in a serious collision with some other car. The total population of Houston is 2,195,914 and the average family income is $45,353.

Auto Insurance by Zip Code Legend: San Antonio Fort Worth Dallas Austin Houston Texas Farm Bureau State Farm Encompass Mercury Allstate 15 30 45 60 75 90 105 120 135 150 165 $55 $49 $80 $56 $60 $90 $85 $97 $89 $90 $85 $81 $111 $71 $109 $86 $90 $110 $90 $114 $127 $118 $165 $132 $140


Automotive Accidents

Houston has some unfortunately large numbers when it comes to deadly accidents, especially with regard to drunk driving. On top of this bad news, you should be aware of the fact that insurance providers in the Houston area will raise their rates when statistics like this show how dangerous it is to be a motorist in Houston.

Fatal Accidents in Houston, TX Legend: Houston Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 50 100 150 200 250 300 350 182 283 86 190 396 51


Auto Thefts in Houston

Just about all insurance providers are worried about auto theft; this is especially true for motorists who reside in big urban centers. The higher the populace, the greater the probability that you will have to file an automobile robbery claim. Back in 2013, the quantity of stolen cars in Houston has decreased to 13,595. This means that auto thefts in Houston are on the rise, with no sign of stopping any time soon. Make sure you protect yourself from theft by adding Comprehensive coverage to your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Texas Farm Bureau State Farm Encompass Mercury Allstate 15 30 45 60 75 90 105 120 135 $60 $71 $90 $109 $109 $125 $114 $114 $140 $141


Your Credit Score

The financial penalties for having poor credit while driving in Texas are fairly severe. Some providers, like Mercury, will charge more for poor credit but not so much that it necessarily breaks the bank. Insurance agencies such as Encompass, however, may triple your rate or more – just based on your credit score alone.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Texas Farm Bureau State Farm Encompass Mercury Allstate 15 30 45 60 75 90 105 120 135 150 165 180 195 210 225 240 255 270 285 300 $51 $96 $73 $175 $94 $301 $100 $141 $119 Do Not Sell


Your Age

If you are a young driver, getting good grades and taking a driver’s education course (or several) is essential. Achieving such goals will put you in a position to take advantage of some much-needed discounts, since young drivers pay some of the highest rates in the country.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Texas Farm Bureau State Farm Encompass Mercury Allstate 50 100 150 200 250 300 350 400 450 500 550 600 $60 $212 $90 $300 $109 Do Not Sell $114 $614 $140 $496


Your Driving Record

According to your insurance company, your driving record is a fairly accurate predictor of whether or not you will be filing a claim with them in the near future. This is why your rates are likely to rise with a speeding ticket or any sort of accident. However, there are providers which offer “Accident Forgiveness” discounts if you are otherwise a safe driver.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Texas Farm Bureau State Farm Encompass Mercury Allstate 15 30 45 60 75 90 105 120 135 150 165 180 195 210 225 $60 $60 $98 $72 $90 $90 $146 $108 $109 $109 Do Not Sell $157 $114 $145 $146 $175 $140 $140 Do Not Sell $231


Your Vehicle

Want to buy an expensive, fancy car? Then you’re going to need an expensive, fancy insurance policy in order to protect your vehicle. Purchasing the right types of coverage, and in high enough amounts, is essential for luxury or otherwise expensive vehicles.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Texas Farm Bureau State Farm Encompass Mercury Allstate 20 40 60 80 100 120 140 160 180 200 $60 $96 $90 $146 $109 $155 $114 $150 $140 $211


Minor Car Insurance Factors in Houston

The factors below, while usually not having much of an influence, can still alter how much your premiums will cost each month:

Your Marital Status

Many married couples across the country are bundling their auto policies together under the same insurance provider in order to get access to some very nice discounts. If you and your spouse aren’t doing so already, then what are you waiting for?

Your Gender

The insurance industry is all over the place when it comes to charging premiums based on gender. Some companies will charge women higher rates, while others will give that financial burden to men. But most don’t even calculate your rate with gender in mind anymore.

Your Driving Distance to Work

Living and working in Houston can be a bit of a drag if you have to commute. The average amount of time it takes to get to work can last as little as 17 or as long as 41 minutes! Additionally, most residents (72%) will be travelling alone within their own truck or car, while somewhere between 4% and 28% will carpool.

The more often you drive, the more likely you are to get into an accident. That’s why insurance companies ask questions about how many miles you drive each year, and why you’re driving in the first place. But if you drive a lot, don’t worry too much; for every 5-10,000 miles you drive above (or below) average, your rates will only fluctuate by 3-4% at most.

Your Coverage and Deductibles

Do yourself a favor: take the amount of money your deductible is now, double that number, and set it aside in a savings account for a rainy day. After you do that, talk to your insurance agent about raising your deductible so that you can lower your monthly premium. Odds are, you’ll be in store for some good savings.

Education in Houston, TX

Around 30% of locals in Houston have not yet qualified for their high school diploma, while an additional 20% have in fact made it through all four years of secondary education. However, for those who have gone above and beyond in order to earn a degree, you have lower car insurance rates to look forward to in the future!

Houston has over a quarter of a million students currently pursuing a higher education amongst dozens and dozens of different public and private universities. Rice University is the oldest in the state, but the University of Houston is the largest (it has three different campuses in Houston alone). The city also boasts a handful of prestigious medical and law schools, and a community college system which educates almost 35,000 students each year.

You shouldn’t permit a poor auto insurance company persuade you into buying an auto insurance policy that is not good for you. Sure, the actual quantity of data needed in order to guesstimate your individual risk profile might be overwhelming, but comparison internet websites such as this will help make things less complicated. Just simply key in a few details below, and just allow us to do the rest.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Texas Department of Insurance

Finance Commission of Texas

Department of Highway Safety and Motor Vehicles

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